Apply.Synchronypremier.com Authorization Code | Pre-Approved

The website apply.synchronypremier.com is a legitimate and secure site for applying for the Synchrony Premier World Mastercard. This card is suited for individuals with good to excellent credit, offering unlimited 2% cash back on all eligible purchases with no annual fee, though it features a high variable APR and a 3% foreign transaction fee.

The application process with an authorization code

Step 1: Receiving the pre-selected mailer

The process begins when you receive a pre-selected offer in the mail. This mailer is a key document because it contains your unique authorization code, also known as an invitation or reservation number.

Step 2: Accessing the application portal

The mailer will direct you to a specific, legitimate website. The first thing you will do on this site is enter the authorization code, along with other personal information such as your ZIP code or the last four digits of your Social Security number. This code confirms your identity and pulls up your specific offer.

Step 3: Completing the pre-filled form

The authorization code provides access to a streamlined application form that is often pre-filled with some of your basic information. You will then need to manually provide additional details, including your annual income, employment status, and housing costs.

Step 4: Final submission and hard inquiry

After you review and complete all the information, you submit the application. This action triggers a hard inquiry on your credit report, which can cause a small, temporary drop in your credit score.

Step 5: Receiving a credit decision

The bank reviews your credit report and the information you provided. You may receive an instant credit decision, or the application may require further review. Even with an authorization code, approval is not guaranteed.

Step 6: Receiving your card

If you are approved, the physical credit card will be mailed to you within a specified timeframe.

Synchrony sends pre-selected offers for the Synchrony Premier World Mastercard primarily to individuals with a good to excellent credit history, typically with a FICO score of 700 or higher.

Invitation code vs. guarantee

Receiving an invitation code through a pre-selected offer from Synchrony indicates that you likely meet the initial credit requirements based on a soft inquiry. However, it is not a guarantee of final approval. When you submit your application, Synchrony will conduct a hard credit check for a final decision.

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